The U.S. Dept. of Housing and Urban Development (HUD) offers an online guide to preventing foreclosure.  The guide provides consumers with information such as how to contact a housing counselor;  when and how to talk to their lender, how to find foreclosure resources, tips on avoiding foreclosure and foreclosure scams, as well as information for consumers who cannot keep their home.  The guide to preventing foreclosure can be accessed by visiting http://www.hud.gov/foreclosure/.